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Take control of your finances

Making smart, well-informed decisions is the key to financial freedom. And Comenity has educational resources to help you get there. Discover tips on credit management, online security, budgeting, and more.

Comenity is the bank behind your credit card, here to help make your experience even better. Comenity works with hundreds of well-known and much-loved companies to offer their customers — customers just like you — credit programs that connect loyal shoppers to the brands they love. Enhance your shopping experience with tips to optimize your finances.

Take control of your finances

Making smart, well-informed decisions is the key to financial freedom. And Comenity has educational resources to help you get there. Discover tips on credit management, online security, budgeting, and more.

Comenity is the bank behind your credit card, here to help make your experience even better. Comenity works with hundreds of well-known and much-loved companies to offer their customers — customers just like you — credit programs that connect loyal shoppers to the brands they love. Enhance your shopping experience with tips to optimize your finances.

VISA is a registered trademark of Visa International Service Association and used under license. This website is owned and operated by Comenity Bank, which is not affiliated with Farmers Group, Inc. or the companies comprising the Farmers Insurance Group of Companies®. "Farmers", "Farmers Insurance", "Farmers Insurance Group of Companies", and the Farmers logo are the service marks of Farmers Group, Inc. and used herein under license." This card is issued by Comenity Bank pursuant to a license by Visa U.S.A. Inc. 1-844-271-2593 (Visa) (TDD/TTY: 1-800-695-1788)

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Farmers® Rewards Visa®

The Farmers® Rewards Visa® Offered by Comenity Bank

The New Farmers® Rewards Visa®, watch your rewards add up quickly

Apply for the Farmers® Rewards Visa® today.

The application process is easy and takes only a few minutes. Once you are approved* and have received your account information, you can begin enjoying all the benefits of your Farmers® Rewards Visa® account.

3X3X3 Rewards Program

The more you spend, the more points you earn with the Farmers® Rewards Visa® Card. Earn triple points on your gas, home improvement, and Farmers Insurance products, and one point for each dollar spent on all other purchases.1

3X points for $1 spent on Farmers products

3X points for $1 spent on Fuel / Gas3

3X points for $1 spent on Home Improvement3

1X points for $1 spent everywhere else Visa is accepted

All these Perks with no annual fee

0% introductory purchase APR for 12 months. After that your APR will be 14.99% to 21.99% based on Prime rate and creditworthiness.2

No annual fee.*

Keep the points you earn! Your points never expire and there's no limit to the amount you can earn.

Redeem points for a statement credit to offset purchases, including Farmers products. You can also redeem points for travel, gift cards, merchandise and more!1

1The Farmers Rewards Program is provided by Comenity Bank which is solely responsible for the Program operation and all Rewards. Comenity Bank may change the terms of the Program at any time. Not all insurance products are eligible to be purchased on a credit card. See agent for details. Click here for Rewards Terms and Conditions.

3Each merchant is assigned a code by a third party that indicates the merchant's area of business. Bonus points will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Comenity Bank does not have the ability to control assignment of merchant codes.

*When you open your account, 0% Introductory Purchase APR for 12 months. After that, the APR is 14.99% to 21.99% based on Prime Rate and creditworthiness. Balance Transfer and Cash Advance APR of 23.99%, based on Prime Rate. Balance Transfer Fee of the greater of $10 or 3% of the amount of the balance transfer. Cash Advance Fee of the greater of $10 or 5% of the amount of the cash advance. Convenience Check Fee of the greater of $10 or 5% of the amount of the convenience check. Foreign Transaction Fee of 3% of each transaction in U.S. dollars. Minimum Interest charge is $2.00 per credit plan.